www.opussoft.com Opus Software Solutions Pvt Ltd Mumbai : Card operations

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opussoft.com
Opus Software Solutions Pvt Ltd Mumbai : Card operations
Job Title: Associate / Sr. Associate - Card Operations

Description:
Minimum 1 year of experience Credit Card processing operations/Pre-issuance/ Post-Issuance/Transaction processing/ transcription/ vendor management.
Good English communication Skills (verbal & written).
Experience in client interaction, good knowledge of MS office.
Ability to collate, analyze data and publish MIS as required
Education: Candidate should be a Graduate
Experience: 2 to 6 years

Location: Mumbai - Maharashtra

Contact us :
Opus Software Solutions Private Limited
A Wing, Vilco Chambers, 8 Subash Road,
Vile Parle (East), Mumbai - 400 057
Landmark: Near Garware House
Maharashtra - India.

Website : http://www.opussoft.com

[Guest-IJT]

Name : misha bisht
Email : mishabisht11 AT gmail.com
Designation / Skillset : software developer

Resume :
Curriculum Vitae
MISHA BISHT

------------------------------------------------------------------------------------------------------------
Career Objective
I aim at being a software professional working as a bridge between necessity and luxury
for both individuals and organizations.
Educational Qualification
Examination Board/University School/College Year of Passing Percentage
B.Tech (IT)
Gautam Buddh Technical University
(formerly U.P.T.U),
Lucknow(U.P) Pranveer Singh Institute of Technology, Kanpur(U.P)
2011
78.5
(I-DIV HONS)
Senior Secondary I.S.C. Mercy Memorial School,Kanpur
2006
68
Higher Secondary I.C.S.E. Mercy Memorial
School,Kanpur
2004
82
Core Strengths
- Innovative smart and hardworking individual with impressive personality.
- Good communication skills and leadership qualities.
- Team player and a problem-solver.
- I believe in and work with ownership.
Technical Skills
My technical skill set comprises of :
- C,C++
- J2ME
- SQL
Industrial Training
- Undergone a Summer Internship in ASP.NET under “Microsoft- IT Academy.”
Project
- Multiplayer Tic-Tac-Toe game via Bluetooth using J2ME on cellphones–
A project in which multiplayer Tic-Tac-Toe gaming is played via bluetooth on cell phones and third party interruption is protected during game play. It is an interactive game with background music, sound and dice selection.
My role play is of designing phase with successful implementation of single and multiplayer gaming.
Achievements
- IBM- RAD, RFT, DB2 certified.
- Awarded Certificate of Appreciation for Excellent Performance in college academics for 2009-2010 and 2010-2011
- Awarded Certificate of Excellence for first runner-up in dance competition at the college annual-fest.
- Awarded Certificate of Social Service with silver medal for Nationwide Cancer Control Program.
- Awarded Certificate for Various events held in ignitia(college fest).
- Lead the school team in INTER-SCHOOL March past competition.
- School Captain .
- Participated in Dance competition on various occasions in School and College.
- Choreographed dance-groups at school and college level.

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More Information about this submission and submitter :-
___________________________________________________
Submission ID : 4392418
Date & Time : 20th Jul 2011 12:21 PM (UTC)
IP Address : 14.98.104.162
Browser Info : Mozilla/5.0 (compatible; MSIE 9.0; Windows NT 6.1; WOW64; Trident/5.0)
Predicted Country : --

[hellyparekh]

Helly P Parekh
E-Mail : hellyparekh AT yahoo.co.in
________________________________________
CARRER OBJECTIVE
Seeking a challenging and rewarding career in such an organization which offers me the opportunity to use my knowledge and managerial skills effectively which helps me to continuously grow as an individual and also help my organization on its path to excellence.
MBA from OIM, Vashi / BMS : Vivekanand Education Society, Chembur
- Currently working as Assistant Manager at IDBI Bank Limited which deals in Card Operations, back office processing, settlements, advances, and financial services.
- 2 Years + experience in centralized operations at IDBI Bank post MBA.
- Summer Internship at Reliance Telecommunication ADAG in Business research domain.
- Exposure in, Operations, Six Sigma Implementation, Quality Control Management, Fraud Investigation & Financial services (IDBI bank), Business Research and Analytics (Reliance Telecommunication).
- An effective Communicator with good Presentation skills, Innovative, Initiative, Quick learner with strong Analytical skills.
Academic Credentials
Degree Institute Board/University Year
MBA Oriental Institute of Management Mumbai 2008 1st Div
B.M.S. Vivekanand Education Society of Arts, Science & Commerce Mumbai 2006 1st Div
Academic/Professional Achievements
- Honored by presenting certificate of Social Service by Helpage India.
- Won 2nd prize in “Business Blues” event held at St. Francis Institute of Management.
- Won 1st prize in “Treasure Hunt” event held at ICLES, Vashi
Professional Experience : July’08: March’11
Industrial Development Bank of India (IDBI) Limited, Mumbai
Designation : Assistant Manager (Grade A)
Roles and Responsibilities :
- Handling of whole Mastercard network.
- Primary responsibility is to supervise 3-way Reconciliation among IDBI Finacle, IDBI Switch and Network Switch for Acquirer and Issuer (ATM & POS transactions).
- Responsible for issuer chargeback’s for all the networks, Good-faith chargeback’s, acquirer debit adjustment and complete owner ship of issuer and acquirer.
- Also handling all the banking ombudsman and escalated complaints.
- Handling disputes raised, from branches with immediate action on them.
- Investigation of fraud cases and action is taken accordingly.
- Settlements of Mastercard, VISA Transactions, NFS Transactions, WCC, Gift Cards, GBP, CAD, AUD Transactions & Bancs Transactions. (Both Acquirer and Issuer).
- As per IDBI policy, amount is to be reversed to customers after 30 days, if we will not receive any claim from merchant.
- Facilitate in developing the software.
1. Dispute Module Tracker
2. Electra software
3. Cash at POS Facility
- Maintain relationship with networks, which has helped in solving the issues, occurred.
- Supervising the complete process of MasterCard chargeback’s along with chargeback of fraudulent transactions with SAFE reporting.
- Responsible for MIS of Successful and Unsuccessful (Domestic and International) transactions for both Acquirer and Issuer (ATM & POS) on day to day basis.
- Balancing all the Acquirer & Issuer accounts to minimize risk and seek audit compliance.
- Preparation and posting of Voucher.
- Providing end-to-end resolution from receiving the complaints till crediting the customer accounts.
- Also, Revolutionized the way of doing Reconciliation by suggesting Network wise bifurcation.
- Resolving Good Faith cases with different banks by approaching them.
- Preparation of “Process Manuals” for smoothing of work system in department.
Technical Role Management :
- Coordinator between IT team and Mastercard for implementation of new facility i.e, “Cash at POS”
- Responsible for upgradation of Electra software.
- Responsible for Implementation of “Dispute Module Tracker” for raising disputes.
- Analyse processes and drive continuous process improvement.
- Interaction with vendors to meet particular requirements.
- Knowledge of process from Authorisation - Authentication - Settlements.
Specialties
- Knowledge of the flow and working of the payment card industry, rules & regulations of card associations, RBI banking laws and settlement acts.
- Designing & execution of process & documentations.
Achievements :
- Resolved 10,000 disputes in 2009-2010 financial year within the RBI guidelines of 12 working days and paid no penalty.
PROJECTS UNDERTAKEN IN IDBI BANK
1. Implementation of Six Sigma in Debit Card Operations
A) Debits Cards Related Inventory Management :
Benefits : ATM Locator has since been discontinued leading to a Notional Savings of minimum of Rs.47 Lakhs per annum (approx.) for the Financial Year 2010-11.
B) Improvement of TAT of Debit Card Deliverables :
Benefits : Ensuring customer satisfaction leading to higher business and avoidance of complaints and reddressal
Summer Internship : April 06: June06
Reliance Telecommunication ADA Group, Mumbai
Designation : Officer Trainee
Job Responsibilities :
- Advertising – Keeping records of Mobile advertisements from newspapers of all languages, Magazines and other periodicals.
- Market Research – Conducted research on newly launched Reliance Handsets, R777, R999 & R1234 in south area.
- Events and Promotion – Assisted the Event and Promotion head for the Event conducted by Reliance communication at Phoenix mills, Lower Parel.
Co – curricular Activities :
- Organized the Cultural Program in IDBI Bank Ltd
- Head of Creative Team in VES college festival “Confluence” an inter collegiate event for all management students and also active member of the organizing committee.
- Passed drawing eliminatory exam during school times.
- Elected by popular votes as Girls Class Representative (CR) of MMS – II

[radhika@radsa]

Profile of A Radhika
E-mail Id : radsss_1967 AT yahoo.com
Radhika.radsa AT gmail.com
A Professional with Nineteen Years Exposure to the Banking and Credit Card Domain
Summary
Absolutely at home in the Credit Card industry. Especially Marketing, Recovery & Operations viz Charge backs, Risk Management, Settlement and Operations, Authorization, ATM Management & Reconciliation
Professional Qualification –
Bachelors in Business Administration - University of Madras
Masters in Business Administration - Alagappa University
(specialization in Banking & Finance)
Typewriting Higher Grade – English
Shorthand Intermediate – English
Career Path
Present Employer : Bank Federal De Commerce, Comoros

Present Employer : Bank Federal De Commerce, Comoros
Date : September 2010
Designation : Head of Cards ATM Project
The Bank has recently decided to inculcate card culture in the country and decided to install ATMs.
The Bank has signed up for MasterCard for issuance & acquiring & with Visa for ATM acquiring alone.
Functional Areas :
- Responsible for Purchase of ATMs, commissioning them at sites ie structural & other logistics
- Co-ordinating with Switch & ATM Vendor for configuration of ATM at sites
- Initiated signing up with MC & Visa for licenses.
- Presently created set up for issuance of Proprietary Cards.
- Formulating & placing the procedures for smooth flow of the day-to-day operational activities for ATM transactions.
- Setting up policy guidelines and procedures for the Card department required for the operations of the Debit & Credit Card.
- Liaise with the out-sourcing agency for the technical set-up and requirement.
- Train Staff on present & future products.
Achievements :
- Co-ordinated & completed configuration & Installation of 6 ATMs
- Trained staff on CMS Module & ATM
- Setting up POS connectivity
Bank foresees to go live before this month end.
Previous Employer Details :
UNDP ATMS Project – Nairobi & Seconded to
Exim Bank (Tanzania) Ltd.
Period : Since May 2006 till April 2010
Designation : Card Consultant
Posted in Card Dept as In-charge for Debit & Credit Card Operations, Reconciliation, Settlement, also a team member instrumental in launching a debit Master & Visa card in addition to the MasterCard & Visa Credit Card.
Exim Bank Tanzania Ltd is the first bank in the country to launch its Credit Card. This made our team to be instrumental in bringing Credit Card awareness in the market.
Functional Areas :
- Responsible for launching of the First Credit Card in the market.
- Formulating & placing the procedures for smooth flow of the day-to-day operational activities.
- Responsible for Product Development within the guidelines laid by the Bank of Tanzania.
- Setting up policy guidelines and procedures for the Card department required for the operations of the Debit & Credit Card.
- Liaise with the out-sourcing agency for the technical set-up and requirement.
- Day today Merchant Payment.
- Conduct in-house training for the staff for handling customer service calls, soft skills required for customer management.
- Introducing of latest operational procedure to increase efficiency, in order to reduce the overhead cost to the bank and error free and quick query resolution.
- Creating the Marketing Program for card products.
- Monitoring Chargeback, Settlement, Reconciliation Fraud, Safe of debit & credit cards
- Co-coordinating with VISA for obtaining license for Credit & Debit issuance and acquiring business.
Achievements :
Successfully launched 43 ATM’s across Tanzania, complete setup of the MasterCard / Visa Card and proprietary card unit. Recently we are in the process of converting the proprietary cards to either Master or Visa Debit cards. Almost formulated a full fledge card department which includes card personalization to settlement of all three accounts including Nostro in house.
Since the team is small in size we co-ordinate with the marketing team as well for Sale of cards alongwith other banking products. Our Debit card volume is totally based on the accounts opened hence we co-ordinate in close hands with our Retail Product Division as well.
Previous Employer Details :
Previous Employer : BOBCARDS.
Date : August 2000 to April 2006
Designation : Vice President .
Joined BOBCARDS (A Bank OF Baroda Subsidiary) as Asst. Vice President and put in 2 ½ years in International Operations in Mumbai, then posted to Chennai Area Office as In-charge for 3 years & was then posted back to Mumbai as Vice President in International Operations Dept
Functional Areas :
Interchange Operations , Chargebacks, Risk Management, Settlement & Authorisation
Analyzing, Initiating , Monitoring and Processing of Chargebacks on BOBCARDS and on behalf of our merchants on other cards .
- Handling Pre – Arbitrations and Pre – Compliances. Filing arbitration and compliance cases against other banks with VISA and MasterCard International.
- Monitoring 33 branches and formulating policies for effective control of Chargeback’s.
- Instrumental in evolving a comprehensive system to monitor Day To Day transactions of branches, analyze the same and alert the branches on the same day, so as to enable the branch to control risk. The system is “MISSION CRITICAL” and is very crucial in controlling fraud.
- Evolved a Day to day monitoring system of transactions, card accounts and merchants and developed a system for Investigation of transactions, monitoring usages by our cardholders and merchants.
- Worked with VISA, MASTER, and other banks to formulate and put forth a strong resistance policy to fraud practices.
- Developing a good MIS system, totally analytical in nature, to meet the data requests of Settlement agencies, other banks and our branches.
- Liaised with the TPP to develop a Settlement software for Visa & MasterCard to ensure that the settlement voucher is passed perfectly.
- Critically analyze the MCBS and ensure there is no excess amount debited by MasterCard.
Professional Highlights
- As a result of the clear Risk policy and tools developed the fraud levels in the acquiring have gone down considerably.
- Due to the effective monitoring system, our chargeback account had been consistently in positive.
- Success rate in cases presented before settlement agencies had always been the highest.
- Marketing tie up with Bharat Overseas Bank and Cholamandalam Finance for issuance of credit cards to their customers.
- This enhanced the card base drastically and this marketing innovation was a good footing step for cross selling of products.
- Due to rich experience gained in the Credit Card scenario had an opportunity to be posted in dual role of Credit & Debit Cards (ATM) cards
- Implementation & Functionality of ATM Cards for Bank of Baroda & Bank of Rajastan (Bank end processing)
Prior Assignment
Employer : M/s. Mercard Limited (A MasterCard affiliate) &
The only Affiliate Member of Bank of Baroda
Date : June 1992 to January 2000
Designation : Chargeback Operational Manager
Strategic Area –
Started my career as an Executive Assistant to The Assistant Vice President – Operations in a MasterCard affiliate . Within 6 months , rose the ranks to Manager Operations (Chargebacks & Settlement).
As In-charge of Operations , my domain was –
1. Monitoring the day to day activities of ON US Cards / Acquiring at our Merchant Outlet.
2. To control Fraud.
3. Authorizations of On Us / On Other Bank Cards .
4. Chargebacks – From First Presentation to Arbitration .
5. Settlement Process. ( Includes Insurance settlement for Fraudulent Usage , Death and usage on stolen cards )
Since it was only a 100 crore turnover company had all opportunities to expertise in the entire area of card operations. This helped me to effectively head a department effectively and efficiently in my next opportunity.

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